ImagLend — API Reference

Base URL

https://api.reimaginetech.io/api/v1

Todos los endpoints requieren autenticacion JWT excepto los marcados como publicos.

Headers Estandar

Request Headers

Header	Obligatorio	Descripcion
`Authorization`	Si (excepto publicos)	`Bearer {JWT}`
`Content-Type`	Si (en body)	`application/json` o `application/merge-patch+json`
`Idempotency-Key`	Si (en POST)	UUID v4 generado por cliente
`If-Match`	Si (en PATCH/PUT)	ETag del recurso
`X-Access-Token`	Si (wizard publico)	Token de acceso del wizard

Response Headers

Header	Descripcion
`ETag`	Version del recurso
`X-Request-Id`	ID de trazabilidad
`X-Idempotent-Replayed`	`true` si es respuesta cacheada

Productos de Credito

Listar productos

GET /credit-products

Query params: page, page_size, sort, category, is_active

Response 200:

json

{
  "data": [
    {
      "id": "550e8400-e29b-41d4-a716-446655440001",
      "code": "microcredito-30d",
      "name": "Microcredito 30 dias",
      "category": "microcredito",
      "amount_config": {
        "min": 100000,
        "max": 750000,
        "default": 300000,
        "step": 50000,
        "currency": "COP"
      },
      "is_active": true,
      "created_at": "2026-01-15T10:00:00Z"
    }
  ],
  "metadata": {
    "request_id": "req-abc123",
    "timestamp": "2026-05-18T10:30:00Z",
    "pagination": {
      "page": 1,
      "page_size": 20,
      "total": 5,
      "total_pages": 1
    }
  }
}

Obtener producto

GET /credit-products/{id}

Response 200:

json

{
  "data": {
    "id": "550e8400-e29b-41d4-a716-446655440001",
    "code": "microcredito-30d",
    "name": "Microcredito 30 dias",
    "description": "Credito rapido de bajo monto",
    "category": "microcredito",
    "amount_config": {
      "min": 100000,
      "max": 750000,
      "default": 300000,
      "step": 50000,
      "currency": "COP"
    },
    "term_config": {
      "min_days": 15,
      "max_days": 90,
      "options": [15, 30, 60, 90]
    },
    "rate_config": {
      "type": "fixed",
      "rate": 0.076
    },
    "fee_config": {
      "origination": 0.02,
      "platform": 0.005,
      "insurance": 0.01,
      "tax": 0.19
    },
    "requirements": {
      "min_age": 18,
      "max_age": 70,
      "documents": ["cc", "selfie"],
      "validations": ["identity_verification"]
    },
    "validation_flow_id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "signature_required": true,
    "signature_type": "electronic",
    "is_active": true,
    "requires_approval": true,
    "row_version": 3,
    "created_at": "2026-01-15T10:00:00Z",
    "updated_at": "2026-03-20T14:30:00Z"
  },
  "metadata": {
    "request_id": "req-def456",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Response Header: ETag: "3"

Crear producto (con maker-checker)

POST /credit-products
Idempotency-Key: 7c9e6679-7425-40de-944b-e07fc1f90ae7

Request Body:

json

{
  "code": "consumo-180d",
  "name": "Credito Consumo 180 dias",
  "description": "Credito personal a 6 meses",
  "category": "consumo",
  "amount_config": {
    "min": 1000000,
    "max": 10000000,
    "default": 3000000,
    "step": 500000,
    "currency": "COP"
  },
  "term_config": {
    "min_days": 90,
    "max_days": 180,
    "options": [90, 120, 150, 180]
  },
  "rate_config": {
    "type": "fixed",
    "rate": 0.022
  },
  "fee_config": {
    "origination": 0.015,
    "platform": 0.005,
    "insurance": 0.008,
    "tax": 0.19
  },
  "requirements": {
    "min_age": 21,
    "max_age": 65,
    "documents": ["cc", "selfie", "income_proof"],
    "validations": ["identity_verification", "bureau_check"]
  },
  "validation_flow_id": "b2c3d4e5-f6a7-8901-bcde-f23456789012",
  "signature_required": true,
  "signature_type": "digital"
}

Response 202 (requires_approval = true):

json

{
  "data": {
    "change_request_id": "cr-550e8400-e29b-41d4-a716-446655440099",
    "status": "pending",
    "action": "create",
    "entity_type": "credit_product",
    "requested_by": "user-uuid",
    "created_at": "2026-05-18T10:30:00Z"
  },
  "metadata": {
    "request_id": "req-ghi789",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Actualizar producto (PATCH con maker-checker)

PATCH /credit-products/{id}
Content-Type: application/merge-patch+json
If-Match: "3"

Request Body:

json

{
  "rate_config": {
    "rate": 0.082
  },
  "fee_config": {
    "origination": 0.025
  }
}

Response 202 (cambio pendiente de aprobacion):

json

{
  "data": {
    "change_request_id": "cr-uuid",
    "status": "pending",
    "action": "update",
    "entity_type": "credit_product",
    "entity_id": "550e8400-e29b-41d4-a716-446655440001",
    "payload_before": {
      "rate_config": { "rate": 0.076 },
      "fee_config": { "origination": 0.02 }
    },
    "payload_after": {
      "rate_config": { "rate": 0.082 },
      "fee_config": { "origination": 0.025 }
    }
  },
  "metadata": {
    "request_id": "req-jkl012",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Activar/Desactivar producto

POST /credit-products/{id}/activate
POST /credit-products/{id}/deactivate
Idempotency-Key: {uuid}

Response 200:

json

{
  "data": {
    "id": "550e8400-e29b-41d4-a716-446655440001",
    "is_active": true,
    "updated_at": "2026-05-18T10:30:00Z"
  },
  "metadata": {
    "request_id": "req-mno345",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Solicitudes de Credito (Applications)

Crear solicitud (autenticado - manual/API)

POST /applications
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "product_id": "550e8400-e29b-41d4-a716-446655440001",
  "subject_data": {
    "document_type": "cc",
    "document_number": "1234567890",
    "first_name": "Juan",
    "last_name": "Perez",
    "email": "juan@example.com",
    "phone": "+573001234567",
    "birth_date": "1990-05-15"
  },
  "financial_data": {
    "economic_activity": "employed",
    "monthly_income": 3500000,
    "monthly_expenses": 2000000,
    "requested_amount": 500000,
    "requested_term_days": 30,
    "purpose": "gastos_personales"
  },
  "origin": {
    "type": "manual",
    "channel": "admin_panel"
  }
}

Response 201:

json

{
  "data": {
    "id": "app-uuid-001",
    "status": "submitted",
    "product_id": "550e8400-e29b-41d4-a716-446655440001",
    "flow_execution_id": "exec-uuid-001",
    "created_at": "2026-05-18T10:30:00Z",
    "expires_at": "2026-05-21T10:30:00Z"
  },
  "metadata": {
    "request_id": "req-pqr678",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Listar solicitudes

GET /applications?status=submitted&page=1&page_size=20
Authorization: Bearer {jwt}

Response 200:

json

{
  "data": [
    {
      "id": "app-uuid-001",
      "product_id": "550e8400-e29b-41d4-a716-446655440001",
      "status": "submitted",
      "subject_data": {
        "first_name": "Juan",
        "last_name": "Perez",
        "document_number": "****7890"
      },
      "simulation_result": {
        "amount": 500000,
        "term_days": 30,
        "total_to_pay": 548500
      },
      "created_at": "2026-05-18T10:30:00Z"
    }
  ],
  "metadata": {
    "request_id": "req-stu901",
    "timestamp": "2026-05-18T10:30:00Z",
    "pagination": {
      "page": 1,
      "page_size": 20,
      "total": 42,
      "total_pages": 3
    }
  }
}

Obtener solicitud

GET /applications/{id}
Authorization: Bearer {jwt}

Response 200: Retorna la solicitud completa con todos los datos.

Decidir solicitud (aprobar/rechazar)

POST /applications/{id}/decide
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "decision": "approved",
  "notes": "Cumple todos los requisitos",
  "conditions": {
    "max_amount": 500000,
    "max_term_days": 30
  }
}

Response 200:

json

{
  "data": {
    "id": "app-uuid-001",
    "status": "approved",
    "decided_at": "2026-05-18T11:00:00Z",
    "decided_by": "operator-uuid"
  },
  "metadata": {
    "request_id": "req-vwx234",
    "timestamp": "2026-05-18T11:00:00Z"
  }
}

Creditos

Listar creditos

GET /credits?status=active&page=1&page_size=20
Authorization: Bearer {jwt}

Obtener credito

GET /credits/{id}
Authorization: Bearer {jwt}

Response 200:

json

{
  "data": {
    "id": "credit-uuid-001",
    "application_id": "app-uuid-001",
    "product_id": "550e8400-e29b-41d4-a716-446655440001",
    "status": "active",
    "amount": 500000,
    "currency": "COP",
    "term_days": 30,
    "interest_rate": 0.076,
    "fee_breakdown": {
      "origination": 10000,
      "platform": 2500,
      "insurance": 5000,
      "tax": 7220
    },
    "total_to_pay": 548500,
    "origin": {
      "type": "flow",
      "channel": "digital"
    },
    "disbursed_at": "2026-05-18T12:00:00Z",
    "amortization_schedule": [
      {
        "installment_number": 1,
        "principal": 500000,
        "interest": 23780,
        "fees": 17500,
        "tax": 7220,
        "total": 548500,
        "balance_after": 0,
        "due_date": "2026-06-17",
        "status": "pending"
      }
    ]
  },
  "metadata": {
    "request_id": "req-yza567",
    "timestamp": "2026-05-18T12:30:00Z"
  }
}

Desembolsar credito

POST /credits/{id}/disburse
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "method": "bank_transfer",
  "account_number": "1234567890",
  "bank_code": "007",
  "account_type": "savings"
}

Response 200:

json

{
  "data": {
    "id": "credit-uuid-001",
    "status": "disbursed",
    "disbursement": {
      "id": "disb-uuid-001",
      "amount": 500000,
      "method": "bank_transfer",
      "reference": "TXN-2026051812345",
      "status": "completed",
      "disbursed_at": "2026-05-18T12:00:00Z"
    }
  },
  "metadata": {
    "request_id": "req-bcd890",
    "timestamp": "2026-05-18T12:00:00Z"
  }
}

Pagos

Registrar pago

POST /credits/{credit_id}/payments
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "amount": 548500,
  "payment_type": "installment",
  "reference": "PAY-2026061700001",
  "installment_number": 1,
  "payment_date": "2026-06-17T10:00:00Z"
}

Response 201:

json

{
  "data": {
    "id": "pay-uuid-001",
    "credit_id": "credit-uuid-001",
    "amount": 548500,
    "payment_type": "installment",
    "reference": "PAY-2026061700001",
    "status": "confirmed",
    "installment_number": 1,
    "payment_date": "2026-06-17T10:00:00Z",
    "created_at": "2026-06-17T10:00:00Z"
  },
  "metadata": {
    "request_id": "req-efg123",
    "timestamp": "2026-06-17T10:00:00Z"
  }
}

Listar pagos de un credito

GET /credits/{credit_id}/payments?page=1&page_size=20
Authorization: Bearer {jwt}

Simulador (Publico)

Obtener configuracion del simulador

GET /public/products/{product_code}/simulator-config

No requiere autenticacion.

Response 200:

json

{
  "data": {
    "product_code": "microcredito-30d",
    "product_name": "Microcredito 30 dias",
    "amount": {
      "min": 100000,
      "max": 750000,
      "default": 300000,
      "step": 50000,
      "currency": "COP"
    },
    "term": {
      "min_days": 15,
      "max_days": 90,
      "options": [15, 30, 60, 90]
    },
    "rates": {
      "interest_rate": 0.076,
      "fees": {
        "items": [
          { "code": "origination", "label": "Originacion", "type": "percentage", "value": 0.02, "taxable": false },
          { "code": "platform", "label": "Plataforma", "type": "percentage", "value": 0.005, "taxable": false },
          { "code": "insurance", "label": "Seguro", "type": "percentage", "value": 0.01, "taxable": false }
        ],
        "tax_rate": 0.19,
        "tax_applies_to": "interest"
      }
    }
  },
  "metadata": {
    "request_id": "req-hij456",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Endpoints Publicos del Wizard

Crear solicitud (wizard)

POST /public/applications
Idempotency-Key: {uuid}

Request Body:

json

{
  "product_code": "microcredito-30d",
  "cuenta": {
    "email": "juan@example.com",
    "phone": "+573001234567",
    "accepts_terms": true,
    "accepts_privacy": true
  },
  "identidad": {
    "document_type": "cc",
    "document_number": "1234567890",
    "expedition_date": "2015-03-20",
    "expedition_place": "Bogota"
  },
  "simulation": {
    "amount": 300000,
    "term_days": 30
  }
}

Response 201:

json

{
  "data": {
    "id": "app-uuid-002",
    "access_token": "at-7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "status": "draft",
    "validation_status": "in_progress",
    "created_at": "2026-05-18T10:30:00Z",
    "expires_at": "2026-05-21T10:30:00Z"
  },
  "metadata": {
    "request_id": "req-klm789",
    "timestamp": "2026-05-18T10:30:00Z"
  }
}

Consultar estado de solicitud (wizard)

GET /public/applications/{id}/status
X-Access-Token: {access_token}

Response 200:

json

{
  "data": {
    "id": "app-uuid-002",
    "status": "draft",
    "validation_status": "passed",
    "signature_status": "pending",
    "completed_steps": ["cuenta", "identidad"],
    "current_step": "datos_personales"
  }
}

Actualizar paso del wizard

PATCH /public/applications/{id}/steps/{step_name}
X-Access-Token: {access_token}

Request Body (ejemplo datos_personales):

json

{
  "first_name": "Juan",
  "last_name": "Perez",
  "birth_date": "1990-05-15",
  "gender": "male",
  "marital_status": "single",
  "address": "Calle 100 #15-20",
  "city": "Bogota",
  "department": "Cundinamarca"
}

Response 200:

json

{
  "data": {
    "step": "datos_personales",
    "status": "completed",
    "next_step": "finanzas"
  }
}

Solicitar firma (wizard)

POST /public/applications/{id}/signature-request
X-Access-Token: {access_token}
Idempotency-Key: {uuid}

Response 200:

json

{
  "data": {
    "signature_id": "sig-uuid-001",
    "signing_url": "https://sign.reimaginetech.io/s/sig-uuid-001",
    "expires_at": "2026-05-18T11:30:00Z"
  }
}

Enviar solicitud (wizard)

POST /public/applications/{id}/submit
X-Access-Token: {access_token}
Idempotency-Key: {uuid}

Response 200:

json

{
  "data": {
    "id": "app-uuid-002",
    "status": "submitted",
    "submitted_at": "2026-05-18T10:45:00Z",
    "message": "Solicitud enviada exitosamente"
  }
}

Change Requests (Maker-Checker)

Listar cambios pendientes

GET /change-requests?status=pending
Authorization: Bearer {jwt}

Aprobar cambio

POST /change-requests/{id}/approve
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "notes": "Cambio aprobado. Tasa competitiva."
}

Rechazar cambio

POST /change-requests/{id}/reject
Authorization: Bearer {jwt}
Idempotency-Key: {uuid}

Request Body:

json

{
  "notes": "Tasa demasiado alta para el mercado actual"
}

Endpoints Internos (Service-to-Service)

Estos endpoints son consumidos por otros microservicios de la plataforma.

Obtener creditos de un sujeto (consumido por ImagID)

GET /internal/subjects/{subject_id}/credits
X-Service-Auth: {service_token}

Notificar resultado de validacion (consumido por ImagFlow via evento)

POST /internal/applications/{id}/validation-result
X-Service-Auth: {service_token}

Request Body:

json

{
  "execution_id": "exec-uuid",
  "result": "approved",
  "details": {
    "identity_score": 0.95,
    "bureau_score": 720
  }
}

Notificar firma completada (consumido por ImagSign via evento)

POST /internal/applications/{id}/signature-completed
X-Service-Auth: {service_token}

Request Body:

json

{
  "signature_id": "sig-uuid-001",
  "signed_at": "2026-05-18T10:40:00Z",
  "document_hash": "sha256:abc123..."
}

Codigos de Error

Codigo	HTTP	Descripcion
`VALIDATION_ERROR`	400	Datos de entrada invalidos
`MISSING_IDEMPOTENCY_KEY`	400	Falta header Idempotency-Key
`INVALID_ACCESS_TOKEN`	401	Token de wizard invalido o expirado
`UNAUTHORIZED`	401	No autenticado
`FORBIDDEN`	403	Sin permisos para la operacion
`NOT_FOUND`	404	Recurso no encontrado
`APPLICATION_EXPIRED`	409	Solicitud expirada
`INVALID_STATUS_TRANSITION`	409	Transicion de estado no permitida
`CHANGE_REQUEST_EXISTS`	409	Ya existe un cambio pendiente para esta entidad
`PRECONDITION_FAILED`	412	ETag mismatch
`PRODUCT_INACTIVE`	422	Producto no esta activo
`VALIDATION_FAILED`	422	Validacion de identidad fallo
`INTERNAL_ERROR`	500	Error interno del servidor

ImagLend — API Reference ​

Base URL ​

Headers Estandar ​

Request Headers ​

Response Headers ​

Productos de Credito ​

Listar productos ​

Obtener producto ​

Crear producto (con maker-checker) ​

Actualizar producto (PATCH con maker-checker) ​

Activar/Desactivar producto ​

Solicitudes de Credito (Applications) ​

Crear solicitud (autenticado - manual/API) ​

Listar solicitudes ​

Obtener solicitud ​

Decidir solicitud (aprobar/rechazar) ​

Creditos ​

Listar creditos ​

Obtener credito ​

Desembolsar credito ​

Pagos ​

Registrar pago ​

Listar pagos de un credito ​

Simulador (Publico) ​

Obtener configuracion del simulador ​

Endpoints Publicos del Wizard ​

Crear solicitud (wizard) ​

Consultar estado de solicitud (wizard) ​

Actualizar paso del wizard ​

Solicitar firma (wizard) ​

Enviar solicitud (wizard) ​

Change Requests (Maker-Checker) ​

Listar cambios pendientes ​

Aprobar cambio ​

Rechazar cambio ​

Endpoints Internos (Service-to-Service) ​

Obtener creditos de un sujeto (consumido por ImagID) ​

Notificar resultado de validacion (consumido por ImagFlow via evento) ​

Notificar firma completada (consumido por ImagSign via evento) ​

Codigos de Error ​

ImagLend — API Reference

Base URL

Headers Estandar

Request Headers

Response Headers

Productos de Credito

Listar productos

Obtener producto

Crear producto (con maker-checker)

Actualizar producto (PATCH con maker-checker)

Activar/Desactivar producto

Solicitudes de Credito (Applications)

Crear solicitud (autenticado - manual/API)

Listar solicitudes

Obtener solicitud

Decidir solicitud (aprobar/rechazar)

Creditos

Listar creditos

Obtener credito

Desembolsar credito

Pagos

Registrar pago

Listar pagos de un credito

Simulador (Publico)

Obtener configuracion del simulador

Endpoints Publicos del Wizard

Crear solicitud (wizard)

Consultar estado de solicitud (wizard)

Actualizar paso del wizard

Solicitar firma (wizard)

Enviar solicitud (wizard)

Change Requests (Maker-Checker)

Listar cambios pendientes

Aprobar cambio

Rechazar cambio

Endpoints Internos (Service-to-Service)

Obtener creditos de un sujeto (consumido por ImagID)

Notificar resultado de validacion (consumido por ImagFlow via evento)

Notificar firma completada (consumido por ImagSign via evento)

Codigos de Error